Verkkolasku ilman laskutusohjelmaa: näin Finvoice 3.0 toimii käytännössä

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Suomessa elinkeinonharjoittajalla on oikeus pyytää toiselta elinkeinonharjoittajalta koneluettavaa verkkolaskua sähköisestä laskusta annetun lain mukaan, joka tuli voimaan vuonna 2020. Kotimainen verkkolasku on useimmiten Finvoice 3.0 XML-muodossa, kun taas julkishallinto ja rajat ylittävä laskutus käyttävät usein Peppol BIS Billing 3.0 -standardia. Verkkolasku on tietue, jossa jokainen kenttä, kuten päiväykset, Y-tunnus, ALV-erittely ja IBAN, täytyy antaa erikseen oikeassa muodossa. Tarkisteiden, kuten Y-tunnuksen, viitenumeron ja IBANin, oikeellisuus voidaan varmistaa laskennallisesti, ja virheet kannattaa korjata ennen lähettämistä. Verkkolaskun tuottaminen ja sen lähettäminen ovat erillisiä vaiheita, ja pienelle yritykselle voi olla edullisempi tuottaa standardin mukainen tiedosto itse kuin hankkia kallis operaattorisopimus.

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